3Rivers Federal Credit Union

Can you spot 10 differences between these photos?! 🧐 We've always loved this beautiful photo of our Northland headquarters. Recently, AI got a hold of it and turned into a slightly different reality! Can you spy all the differences between them?

We had a great time at Jubilee Days in Hagerstown this past weekend! 🌼 We love having our branch on Main Street, right at the heart of town—with a perfect view of the parade! Stop in and see our Hagerstown team at 10 E. Main Street. See all our branch locations (and shared branches and ATMs) here: https://lnkd.in/gYQFbDgf

Our savings should be viewed as an essential expense, rather than something we contribute to if there's money left over. By flipping the script in this way, we empower ourselves to build financial security and reach our savings goals. 💸 Here’s how to put this into action: 🔹 Establish Savings Goals: Define short-term and long-term goals (like a vacation fund, emergency fund, or retirement savings) and the amounts you plan to save for each. Set-up accounts specific to your goals (separate from general savings and checking) and name them accordingly (“Disney Fund,” “Wedding Savings,” etc.) to help keep you focused. 🔹 Set Up Automatic Savings: Start by automating your savings. Schedule a monthly transfer to your savings account(s) as soon as you receive your paycheck, so those funds are out of sight and out of mind! 🔹 Create a Budget: Analyze your income and expenses to see where you may be able to cut back and put those extra funds toward your savings goals. This will also help you determine what percentage of your earnings you can comfortably allocate to savings. 🔹 Live Below Your Means: Prioritize needs over wants. Make mindful spending choices and resist impulse purchases to free up more money for savings. 🔹 Review & Adjust Regularly: Periodically assess your financial situation and savings goals. Adjust your plans as your income and priorities change, ensuring you maintain a saving-first mindset. Want help building a savings plan unique to your goals? Interested in savings options, like share certificates or money markets, that can help you grow your money even faster? Let’s talk! Schedule an appointment at your nearest branch: https://lnkd.in/ezzGGKKp

We partner with 97.3 WMEE to feature a local non-profit each month with an in-depth article on our website that details how they're carrying out their mission and how our community can benefit from or get involved with their services. Recent features include Recovery Café Fort Wayne, Black Pine Animal Sanctuary, From This Day Forward, Greater Fort Wayne Crime Stoppers, and Soarin' Hawk Raptor Rehabilitation. Interested in featuring your non-profit on our website and on 97.3 WMEE’s A Voice for the Good? Text "VOICE" to 46862! Please note, this may incur standard text messaging rates or other applicable charges consistent with your wireless carrier/mobile phone plan.

We are loving the new artwork decking the walls of our Dupont branch by the very talented Bethany of GiGi's Playhouse Fort Wayne! If you haven't had a chance to see it yet, stop by to check it out for yourself! 🎨🖼️

Join us at our Decatur branch this Friday, August 2, as we celebrate five years of serving the community! Enjoy great food, yard games, and more, from 11 AM until 3 PM. We hope to see you there!

Join us on Tuesday, August 13, for a FREE seminar where you'll learn about the vital elements of estate planning—an essential step in securing your financial future and providing peace of mind for you and your loved ones. This session will be led by Brooke Bowen and Michael Nicolini of Members Trust Company. It will be held at our Stellhorn Crossing branch at 9:00 AM. We hope to see you there! ➡️ RSVP here: https://lnkd.in/eZN5tfxt

Want a detailed look at how 3Rivers is performing, what events and non-profits we've supported, and what our culture looks like? We share all of this and more each year in our interactive Annual Report! ➡ Check it out here: https://lnkd.in/e5J2QKG

⚠️ SCAM ALERT: Beware of text messages claiming to be from your financial institution, asking you to click a link to confirm or deny a charge! Here are some key ways to spot these "smishing" scams.

Feeling inspired by a big financial goal, but overwhelmed at the thought of how to even begin working toward it? Take it one small step at a time. Breaking your money goals into smaller, more manageable tasks can help you create a realistic plan and stay motivated to keep the momentum going as you celebrate crossing off each bite-size to-do. And things will get even easier once you take that very FIRST step! 💸 Here are some examples of some big goals and what their first steps might look like: 🏡 Big Goal: Saving a $10,000 down payment for a house. ➡ First Small Step: Set up a separate savings account specifically for your down payment fund and automate regular contributions. 🎓 Big Goal: Paying off your student loans ➡ First Small Step: Create a budget to track your income and expenses so you can identify areas where you can cut back to put more money toward your loans each month. 💰 Big Goal: Building an emergency fund of 3-6 months’ worth of income. ➡ First Small Step: Designate a specific amount of each paycheck to go toward your emergency fund savings and set-up that auto transfer. 📈 Big Goal: Improving your credit score by 100 points. ➡ First Small Step: Check your credit report for errors and dispute any inaccuracies that might have negatively impacted your score. 💬 In many cases, the best first move might just be meeting with a financial expert to help you develop your step-by-step plan. We're always happy to help! Schedule an appointment with a team member here: https://lnkd.in/ezzGGKKp Remember, progress is progress no matter how small. Keep breaking down those goals and watch your financial future improve, one step at a time. You've got this!